Overview of Auto Insurance in San Jose

As the third largest city in California, San Jose residents have a lot of insurance companies to choose from. With over 1,026,000 people living in San Jose, auto accidents are bound to happen. With a highly educated population, a lot of residents in San Jose can enjoy college degree discounts offered by many insurance companies. Major corporations (e.g. Cisco Systems, eBay, Sanmina) are headquartered here, enabling a lot of residents to save money on insurance with professional discounts. Due to prop 103, California is one of the few states where credit scores cannot be used as an insurance rating factor. So residents in San Jose won't have to worry about poor credit history when shopping for insurance.

For a male driver living in San Jose, if he has 5 years of driving "experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, here are the auto insurance premiums charged by the insurance companies before any discount is applied. As you can see, the range is pretty wide. This premium info is updated on Feb, 2019.

Average Auto Insurance Premiums in San Jose

Here is the raw data of each insurance company's average premium. Click on each insurance company to see the discounts offered.

As you can see, the prices vary quite a lot in San Jose. If you're wondering what's the best option for you, click here to get free insurance quotes today.

San Jose Local Agents

If you would like to call agents for insurance quotes, below is a list of local agents in San Jose.

AIS | Auto Insurance Specialists | San Jose
4010 Moorpark Ave Suite 117, San Jose, CA 95117
2136 Ringwood Ave, San Jose, CA 95131
1341 Lincoln Ave, San Jose, CA 95125
Angela Frangieh - State Farm Insurance
461 Blossom Hill Rd, San Jose, CA 95123
1858 W San Carlos St, San Jose, CA 95128
Cost-U-Less Insurance Center
1361 S Winchester Blvd #107, San Jose, CA 95128
1885 The Alameda #200, San Jose, CA 95126
2195 Monterey Rd Suite 20, San Jose, CA 95125
1095 Bird Ave #2, San Jose, CA 95125
1968 Aborn Rd, San Jose, CA 95121
1777 Hamilton Ave, San Jose, CA 95125
1625 The Alameda Ste 402, San Jose, CA 95126
1629 Alum Rock Ave, San Jose, CA 95116
1625 N Capitol Ave, San Jose, CA 95132
2901 Moorpark Ave Suite 260, San Jose, CA 95128
5520 Almaden Expy, San Jose, CA 95118
860 South Winchester Boulevard c, San Jose, CA 95128

Factors used to determine Auto insurance premium

  • Age
  • Gender
  • Driving records
  • Annual mileage
  • Profession
  • Education background
  • Bundling of multi cars
  • Bundling of auto and home policies
  • Features of the car (e.g. anti-theft devices)

Curious about Auto insurance in neighboring cities?

Auto Insurance for All cities in California

We also generated a report for all cities in California.